Article 3
The characteristics included in the data collection shall be: (a) the relevance of the ownership situation at the start of the enterprise and at the observation time for access to finance; (b) the degree and success rates of all attempts to obtain various sorts of internal and external financing and the reasons for not obtaining such financing; (c) the extent of guarantees for business loans; (d) the perception by the owner/manager of the cost and burden of obtaining business loans and of the enterprise’s financial situation; (e) the importance of the choice of financial institution (geographic proximity, in particular cross-border situations, foreign vs. domestic ownership, prior client status, etc.); (f) the debt/turnover ratio and other correlations of finance characteristics in the enterprise accounts and their importance for future business growth; (g) the perceived need for future financing and its forms and the reasons for this need; (h) the perceived link of finance options and their availability and perspectives for employment growth; (i) the perception of overall administrative burden on enterprises; (j) the effort required to reply to a questionnaire (if any) on access to finance.